Debt Management

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Our team specializes in reducing and settling debts. Our legal debt methods help to eliminate and reduce medical bills, repossessions, tax liens, judgments, student loans, garnishments, certain business debts and other unsecured obligations. We help you develop a plan and a reasonable approach to get you out of debt and back on the road to good credit. We protect your rights while providing legal alternatives to settle and eliminate your debt. We also ensure that your creditors don't harass you and provide a peace of mind. A+ Credit Repair and Consultation is a bankruptcy evaluation company.  Let us help you today.

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Here Are 4 Tips For Debt Management:

Budgeting

We believe budgeting is one of the most basic and effective tools for debt management. Most people avoid budgeting because it is viewed as hard work or very restricting. Many believe budgeting suggests that you have to give up everything and stop yourself from enjoying or spending anything.

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Home Refinance

Refinancing your home in order to pay off debt is one of the most commonly used methods of debt management. Fortunate homeowners that have equity (the value of their home is more than the amount owed on the mortgage) in their homes are normally able to refinance their home with no to little cost to pay down bills and most debts. This method can be a wise move, but it also can be a financial disaster if done incorrectly. The homeowner needs to be aware of the risks and understand the pros and cons of a refinance to pay debt.

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Identity Theft

Identity Theft- The fraudulent acquisition and use of a person’s private identifying information, usually for financial gain. Identity theft normally happens when someone uses your personal information without your permission. This person might obtain credit or open bank accounts in your name, make large or small purchases using your credit card or even acquire fake identification, social media, driver’s license or Social Security card in your name.

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Bankruptcy

Bankruptcy is a legal proceeding filed in the United States Bankruptcy Court that permits you to obtain a discharge of your obligation to pay certain debts. The bankruptcy laws are intended to allow an honest, but unfortunate debtor an opportunity to get a “new start.” But, bankruptcy is not a free ride.

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